Bank of the Philippine Islands Logo

Bank of the Philippine Islands

BPHLF

(0.5)
Stock Price

1,90 USD

2.3% ROA

0.95% ROE

0.17x PER

Market Cap.

10.016.971.000,00 USD

38.05% DER

192.63% Yield

29.73% NPM

Bank of the Philippine Islands Stock Analysis

Bank of the Philippine Islands Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of the Philippine Islands Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

2 ROE

Unidentified ROE

3 ROA

Unidentified ROA

4 PBV

Unidentified ROA

5 DER

Unidentified DER

6 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

7 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

8 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Graham Number

Unidentified Graham Number

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Buffet Intrinsic Value

The company's stock appears overvalued (0) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

Bank of the Philippine Islands Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of the Philippine Islands Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Buy
4 Stoch RSI Buy

Bank of the Philippine Islands Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of the Philippine Islands Revenue
Year Revenue Growth
2015 1.497.970.460
2016 1.642.946.944 8.82%
2017 1.752.363.782 6.24%
2018 1.932.642.388 9.33%
2019 2.551.485.832 24.25%
2020 2.680.396.056 4.81%
2021 2.239.758.990 -19.67%
2022 2.403.627.520 6.82%
2023 3.282.862.800 26.78%
2024 3.881.291.788 15.42%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of the Philippine Islands Research and Development Expenses
Year Research and Development Expenses Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of the Philippine Islands General and Administrative Expenses
Year General and Administrative Expenses Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 633.359.638 100%
2020 1.034.000.000 38.75%
2021 1.180.000.000 12.37%
2022 1.524.000.000 22.57%
2023 1.693.000.000 9.98%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of the Philippine Islands EBITDA
Year EBITDA Growth
2015 529.295.505
2016 71.491.073 -640.37%
2017 76.822.916 6.94%
2018 86.450.508 11.14%
2019 998.973.245 91.35%
2020 759.086.697 -31.6%
2021 872.366.039 12.99%
2022 998.609.919 12.64%
2023 115.083.900 -767.72%
2024 90.500.768 -27.16%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of the Philippine Islands Gross Profit
Year Gross Profit Growth
2015 1.497.970.460
2016 1.642.946.944 8.82%
2017 1.752.363.782 6.24%
2018 1.932.642.388 9.33%
2019 2.551.485.831 24.25%
2020 2.680.396.055 4.81%
2021 2.239.758.990 -19.67%
2022 2.403.627.520 6.82%
2023 3.282.862.800 26.78%
2024 3.881.291.788 15.42%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of the Philippine Islands Net Profit
Year Net Profit Growth
2015 387.503.984
2016 443.550.414 12.64%
2017 449.038.461 1.22%
2018 438.870.400 -2.32%
2019 568.723.467 22.83%
2020 445.802.575 -27.57%
2021 466.376.399 4.41%
2022 709.721.599 34.29%
2023 930.882.870 23.76%
2024 1.045.413.576 10.96%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of the Philippine Islands Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2015 0
2016 0 0%
2017 0 0%
2018 5 100%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of the Philippine Islands Free Cashflow
Year Free Cashflow Growth
2015 511.869.089
2016 427.759.618 -19.66%
2017 532.632.212 19.69%
2018 407.112.294 -30.83%
2019 823.496.891 50.56%
2020 876.362.614 6.03%
2021 625.096.710 -40.2%
2022 853.207.040 26.74%
2023 848.487.120 -0.56%
2024 350.344.960 -142.19%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of the Philippine Islands Operating Cashflow
Year Operating Cashflow Growth
2015 543.810.434
2016 510.414.885 -6.54%
2017 616.586.538 17.22%
2018 503.109.251 -22.56%
2019 1.088.083.720 53.76%
2020 892.354.784 -21.93%
2021 718.957.890 -24.12%
2022 882.900.479 18.57%
2023 939.401.600 6.01%
2024 370.260.240 -153.71%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of the Philippine Islands Capital Expenditure
Year Capital Expenditure Growth
2015 31.941.345
2016 82.655.267 61.36%
2017 83.954.326 1.55%
2018 95.996.957 12.54%
2019 264.586.829 63.72%
2020 15.992.170 -1554.48%
2021 93.861.180 82.96%
2022 29.693.439 -216.1%
2023 90.914.480 67.34%
2024 19.915.280 -356.51%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of the Philippine Islands Equity
Year Equity Growth
2015 3.245.776.219
2016 3.373.075.181 3.77%
2017 3.676.903.044 8.26%
2018 4.783.455.357 23.13%
2019 5.391.134.366 11.27%
2020 5.871.229.710 8.18%
2021 5.764.396.680 -1.85%
2022 5.730.887.679 -0.58%
2023 6.472.253.700 11.45%
2024 6.980.269.481 7.28%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of the Philippine Islands Assets
Year Assets Growth
2015 32.239.358.197
2016 34.724.465.677 7.16%
2017 38.150.140.224 8.98%
2018 39.664.162.784 3.82%
2019 43.549.136.143 8.92%
2020 46.518.995.908 6.38%
2021 47.307.792.420 1.67%
2022 46.676.976.639 -1.35%
2023 52.022.695.450 10.28%
2024 53.118.524.636 2.06%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of the Philippine Islands Liabilities
Year Liabilities Growth
2015 28.993.581.978
2016 31.351.390.495 7.52%
2017 34.473.237.179 9.06%
2018 34.880.707.426 1.17%
2019 38.158.001.777 8.59%
2020 40.647.766.197 6.13%
2021 41.543.395.740 2.16%
2022 40.946.088.960 -1.46%
2023 45.550.441.750 10.11%
2024 46.138.255.154 1.27%

Bank of the Philippine Islands Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
37.55
Net Income per Share
11.17
Price to Earning Ratio
0.17x
Price To Sales Ratio
2.96x
POCF Ratio
0.23
PFCF Ratio
14.82
Price to Book Ratio
0.02
EV to Sales
-83.89
EV Over EBITDA
-416.08
EV to Operating CashFlow
-379.23
EV to FreeCashFlow
-419.61
Earnings Yield
5.88
FreeCashFlow Yield
0.07
Market Cap
10,02 Bil.
Enterprise Value
-283,69 Bil.
Graham Number
139.18
Graham NetNet
-559.12

Income Statement Metrics

Net Income per Share
11.17
Income Quality
0.74
ROE
0.01
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.05
EBT Per Ebit
35.43
Ebit per Revenue
0.17
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0.04
Gross Profit Margin
1
Operating Profit Margin
0.17
Pretax Profit Margin
6.19
Net Profit Margin
0.3

Dividends

Dividend Yield
1.93
Dividend Yield %
192.63
Payout Ratio
0.32
Dividend Per Share
3.66

Operating Metrics

Operating Cashflow per Share
8.31
Free CashFlow per Share
7.51
Capex to Operating CashFlow
0.1
Capex to Revenue
0.02
Capex to Depreciation
0.05
Return on Invested Capital
0.05
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
76642343660.14
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.8

Balance Sheet

Cash per Share
-46,74
Book Value per Share
77,52
Tangible Book Value per Share
-26.37
Shareholders Equity per Share
77.11
Interest Debt per Share
497.95
Debt to Equity
0.38
Debt to Assets
0.05
Net Debt to EBITDA
-430.77
Current Ratio
0.23
Tangible Asset Value
-2,37 Bil.
Net Current Asset Value
-39,81 Bil.
Invested Capital
-11330709418
Working Capital
-21,03 Bil.
Intangibles to Total Assets
0.18
Average Receivables
0,00 Bil.
Average Payables
0,16 Bil.
Average Inventory
0
Debt to Market Cap
0.26

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of the Philippine Islands Dividends
Year Dividends Growth
2013 2
2014 1 0%
2015 3 100%
2016 2 -100%
2017 1 0%
2018 1 0%
2019 3 100%
2020 1 0%
2021 2 100%
2022 2 50%
2023 3 33.33%
2024 2 -200%

Bank of the Philippine Islands Profile

About Bank of the Philippine Islands

Bank of the Philippine Islands, together with its subsidiaries, provides various financial products and services to retail and corporate clients in the Philippines. It operates through Consumer Banking, Corporate Banking, and Investment Banking segments. The Consumer Banking segment offers deposit taking and servicing; and consumer lending, such as home mortgages, auto loans, and credit card finance, as well as remittance services to individual and retail markets. The Corporate Banking segment provides deposit taking and servicing, loan facilities, trade, and cash management to corporate and institutional customers, such as high-end corporations and middle market clients. The Investment Banking segment offers corporate finance, securities distribution, asset management, trust, and fiduciary services, as well as proprietary trading and investment activities. The company also provides financing, securities dealer, investment management, land holding, operations management, business systems, foreign exchange, real estate, pre-need, non-life insurance, leasing, and rental services. As of December 31, 2021, it operated 1,176 branches, and 2,457 automated teller machines and cash accept machines. The company also serves its customers through alternative electronic banking channels, such as telephone, mobile phone, and the internet. Bank of the Philippine Islands was founded in 1851 and is based in Makati City, the Philippines.

CEO
Mr. Jose Teodoro Katigbak Limc
Employee
18.982
Address
Tower One
Makati City, 1229

Bank of the Philippine Islands Executives & BODs

Bank of the Philippine Islands Executives & BODs
# Name Age
1 Ms. Maria Paz A. Garcia
Chief Compliance officer & Senior Vice President
70
2 Mr. Jose Teodoro Katigbak Limcaoco
President, Chief Executive Officer & Director
70
3 Sheryl G. Ngo Sy
Senior Vice President & Information officer
70
4 Mr. Alexender G. Seminiano
Senior Vice President and Chief Technology Officer
70
5 Maria Ramona O. Ang
Investor Relations Officer
70
6 Ms. Mary Catherine Elizabeth R. Santamaria
Senior Vice President and Chief Customer & Marketing Officer
70
7 Ms. Maria Virginia Ongkiko Eala
Chief Human Resources Officer & Senior Vice President
70
8 Madam Maria Lourdes Pauscal Gatmaytan
Senior Vice President, Co-Head of Legal, Head of Corporate Legal Affairs & Corporate Secretary
70
9 Ms. Marie Josephine M. Ocampo
Executive Vice President & Head of Mass Retail Products
70
10 Mr. Eric Roberto Mirasol Luchangco
Chief Financial Officer & Chief Sustainability Officer
70

Bank of the Philippine Islands Competitors